Inventory Financing
Turn inventory into working capital.
A revolving line secured by the inventory on your shelves or in your warehouse — stock up ahead of your season without starving the rest of the business.
Capco Capital is a commercial lending advisory firm that arranges financing as a loan broker, not a lender. Amounts, terms, and guidelines shown are general ranges that vary by lender, borrower, and (where applicable) property or collateral — they are not an offer or a commitment to lend.
Why Inventory
Typical highlights — actual eligibility and terms depend on the funding partner and your qualifications.
Who it's for
Retailers, wholesalers, distributors, e-commerce brands, and dealers with trackable, sellable inventory.
We arrange financing for businesses nationwide, except in California.
What lenders typically look for
General market ranges across the programs we place — not a quote, and not a promise of approval. Your specialist confirms what fits your file.
| Typical facilities | About $100,000 to $15 million |
|---|---|
| Revenue | Roughly $75,000+ a month |
| Time in business | As little as 1 month |
| Inventory | Trackable, non-obsolete finished goods |
| Paperwork | Inventory reports, financial statements, bank statements |
| How fast | Usually two to four weeks, including an inventory review. |
How it works
The same five steps for every deal we place — including the parts other lenders gloss over.
Pre-qualify
Two minutes, no credit pull. You get an instant read on your options.
Consult & apply
Talk it through with one of our team members, then submit the full application for your specific loan type — guided the whole way.
Match & negotiate terms
We package your file and place it with the lenders most likely to approve your deal. Offers come back; we compare them side by side and negotiate structure and pricing. You choose — nothing moves without you.
Underwriting & documents
Link your bank or upload documents once. Lenders often request additional documentation in underwriting — normal on nearly every deal, and we quarterback each request so nothing stalls.
Close & fund
Final approval, e-signatures, and closing on a real timeline — working capital in days, property on schedule. Then the capital lands.
Documents you'll typically need
A starting checklist for inventory financing — your specialist confirms the exact list for your funder.
- 01Signed applicationapplication
- 02Photo ID (owner)id
- 033 months of business bank statementsbank
- 04Accounts receivable aging reportar
- 05Sample invoicesar
- 06Customer list / concentrationar
- 07Articles of organization & EINentity
- 08Inventory report / valuationcollateral
Industries we often advise on for Inventory Financing
Where inventory financing is one of the best-fit options for how the business earns.
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